topic Re: BOA DEBIT CARD FRAUD in General Credit Topics

BOA DEBIT CARD FRAUD

gingerflower — Sat, 03 Jun 2023 05:56:48 GMT

Evening my fico friends been with Boa for 16 years never have I had a Check Debit fraud on my checking account. 14 debit transactions which I got an email stating online purchases with 2 different companies. This is unbelievable I just got a renewal card last month activated card but never used it. How in the world did these SCAM BAGS GET THE LAST 4 DIGITS OF MY DEBIT CARD! So far 7 charges have been reversed to my account . Fraud dept says it takes 1-2 days to reverse charges. What a joke! I am so pissed with BOA and thinking of switching my direct deposits to another financial institution. Boa closed the debit card reissued another.

Re: BOA DEBIT CARD FRAUD

GApeachy — Sat, 03 Jun 2023 14:01:45 GMT

@gingerflower wrote:
Evening my fico friends been with Boa for 16 years never have I had a Check Debit fraud on my checking account. 14 debit transactions which I got an email stating online purchases with 2 different companies. This is unbelievable I just got a renewal card last month activated card but never used it. How in the world did these SCAM BAGS GET THE LAST 4 DIGITS OF MY DEBIT CARD! So far 7 charges have been reversed to my account . Fraud dept says it takes 1-2 days to reverse charges. What a joke! I am so pissed with BOA and thinking of switching my direct deposits to another financial institution. Boa closed the debit card reissued another.

What a pita! Can you live without a debit card? If so, when the new card comes in don't activate it. If possible, lock it as well.

How did you find out to begin with? Did BoA notify you via email or did the email come from another source?

Did fraud dept state they were going to investigate all 14 charges first or are they reversing all 14 (7 already) post haste? Frankly 1-2 days is pretty quick, though immediately would be ideal.

1. Do you have BoA alerts set up to notify you via text, phone call, or email? If you have the option, choose them all. Text being the best, imo.

2. Do you have any autopay(s) due 15 days early or even right at due date that you may have forgotten? If so, call your card company(s) or change funding source if possible. You don't want a return.

3. Any subscriptions coming out of that acct. soon/now? You don't want a decline.

Sorry this is something you're dealing with. Sux!

eta:

4. Have you written any checks that might be returned until reservals are complete?

Re: BOA DEBIT CARD FRAUD

Heatt99 — Sat, 03 Jun 2023 15:33:07 GMT

Sorry to hear that ot happened to your debit card.

My personal & business CC has fraud charges that I have to dispute. What's crazy is that there is no option to freeze both cards.

Re: BOA DEBIT CARD FRAUD

GApeachy — Sat, 03 Jun 2023 15:39:01 GMT

@Heatt99 wrote:
Sorry to hear that ot happened to your debit card.

My personal & business CC has fraud charges that I have to dispute. What's crazy is that there is no option to freeze both cards.

No freeze or lock?

What FI issued those cards?

Re: BOA DEBIT CARD FRAUD

gingerflower — Sat, 03 Jun 2023 17:44:52 GMT

@GApeachy

Thank you for the advice appreciate it. I got notified by txt and email which I quickly called boa Boa and said I did not make any of the charges which fraud dept quickly shut down the debit card and will reissue another card. So far there is 3 more charges left to be reversed . Fraud dept checked all payments I made to my creditors have been paid. I also have one of my Boa cc to cover any overdrafts. I have no auto pays or subscription auto pay. I definitely not active debit card when I receive. What a stressful situation to deal with. 😞

Re: BOA DEBIT CARD FRAUD

GApeachy — Sat, 03 Jun 2023 17:52:32 GMT

@gingerflower wonderful! It looks like BoA handled the situation diligently and all the "stops" were put into place. Do you need an active debit card number in order to get paid...direct deposit by any chance? If so, maybe there is a lock feature you turn on. 👍

Re: BOA DEBIT CARD FRAUD

gingerflower — Sat, 03 Jun 2023 18:17:22 GMT

@Heatt99

Ty for your reply, sorry to hear your personal and business Cc has fraud. I to have 2 personal and 1 business cc's with Boa so far no fraud on personal or business. I asked Boa not to reissue another debit card but I was told in order to have a checking acct you have to have a debit card..That sucks! But, when I receive the new debit card I will not activate card. I agree there is no way on Boa to freeze debit or cc's.. I hope you get your fraud resolved.

Re: BOA DEBIT CARD FRAUD

GApeachy — Sat, 03 Jun 2023 18:22:04 GMT

Re: BOA DEBIT CARD FRAUD

gingerflower — Sat, 03 Jun 2023 18:22:27 GMT

Yes Boa was diligent in resolving the fraud situation. I'm not sure if I need a debit card in order to get paid with my direct deposits. Both govt direct deposit is thru my checking account. But, I will definitely check if I can freeze the debit card or not activate card at all.

Re: BOA DEBIT CARD FRAUD

gingerflower — Sat, 03 Jun 2023 18:34:47 GMT

@GApeachy

Ty for the mobile app info , I have the mobile app but did not know of the pause, lock/unlock. Will definitely look into this. I rarely use the debit card.Thkss GApeachyy !!

Re: BOA DEBIT CARD FRAUD

GApeachy — Sat, 03 Jun 2023 22:41:32 GMT

@gingerflower 🤗

Re: BOA DEBIT CARD FRAUD

mortimerwereback — Sat, 03 Jun 2023 22:59:45 GMT

@gingerflower wrote:
Yes Boa was diligent in resolving the fraud situation. I'm not sure if I need a debit card in order to get paid with my direct deposits. Both govt direct deposit is thru my checking account. But, I will definitely check if I can freeze the debit card or not activate card at all.

Option to freeze debit card is available. Mine's been frozen for quite some time now.

Looks like you as well as BofA reacted immediately. I didn't understand why you were upset with BofA. In any case, glad you caught it immediately.

Regarding how... this happened to me with my Charles Schwab debit card (which I have locked) but fraud dept told me that it might've been when I tried to use an ATM that had a card scanner attached to it.

Re: BOA DEBIT CARD FRAUD

gingerflower — Sat, 03 Jun 2023 23:21:32 GMT

@mortimerwereback

I think anyone would be upset with 14 fraud charges on a debit card. I caught the fraud charges on time and Boa fraud was on it. But, still being with Boa 16 yrs I have never got fraud charges on my debit card. I asked the fraud dept how was this possible bcuz I have never used the debit card anywhere since it was activated last month. Fraud dept could not give me an answer. So that is the reason 'WHY" I AM UPSET WITH BOA!

Re: BOA DEBIT CARD FRAUD

mortimerwereback — Sat, 03 Jun 2023 23:30:40 GMT

@gingerflower wrote:
@mortimerwereback
I think anyone would be upset with 14 fraud charges on a debit card. I caught the frau charges on time and Boa fraud was on it. But, still being with Boa 16 yrs I have never got fraud charges on my debit card. I asked the fraud dept how was this possible bcuz I have never used the debit card anywhere since it was activated last month. Fraud dept could not give me an answer. So that is the reason 'WHY" I AM UPSET WITH BOA!

Sure I absolutely agree, getting 14 fraud charges is upsetting, but you seemed upset at BofA for not having done enough.

From what you state, it seemed BofA moved quickly to react and to return your money so I was curious as to how they had failed? Asking because I also bank with BofA.

As far as not being able to give you an answer... Yes, I could see how that could be frustrating, but respectfully, I'd be more concerned with how quickly my bank acted, not at not being able to give me a specific reason as to why, as anything could've happened.

Hopefully freezing your new card will help. Best of luck!

Re: BOA DEBIT CARD FRAUD

Hex — Sun, 04 Jun 2023 00:51:45 GMT

I consider debit cards to be a danger to my bank accounts (AKA money). I get them in case I need them but I always freeze them in-between the times I use them. I only use them at an ATM to get cash. CCs are better because of low personal liability limits for unauthorized use.

Re: BOA DEBIT CARD FRAUD

gingerflower — Sun, 04 Jun 2023 02:21:11 GMT

@mortimerwereback

Thank you for the feedback appreciate it.

Re: BOA DEBIT CARD FRAUD

gingerflower — Sun, 04 Jun 2023 02:25:12 GMT

@Hex

Totally agree @Hex I will definitely have my debit card freezes after I activate card. Ty for your feedback appreciate it.

Re: BOA DEBIT CARD FRAUD

NoMoreDebt — Sun, 04 Jun 2023 14:22:33 GMT

Seems they got on top of it and handled it quickly. About 5 years ago or maybe 6 when we were still rebuilding and didn't have any credit cards we had unauthorized charges pop up in our credit union account. They actually made up get a police report as part of fixing everything. That kinda pissed me off as the constable that came to our house to write the report clearly stated he had better things he could be doing. I told him I agreed with him and having to get a police report was a first for me

Re: BOA DEBIT CARD FRAUD

GApeachy — Sun, 04 Jun 2023 14:35:37 GMT

@NoMoreDebt wrote:
the constable

Across the pond?

Re: BOA DEBIT CARD FRAUD

NoMoreDebt — Sun, 04 Jun 2023 14:39:00 GMT

@GApeachy wrote:
@NoMoreDebt wrote:
the constable
Across the pond?

Texas. They handle things here the Sheriffs Dept or Highway Patrol dont